Median home value in zip code 32034 (Fernandina Beach, FL) is $601,270, down 2.8% year over year. Part of the Jacksonville, FL metropolitan area.

Home Value$601,270

YoY Change

-2.8%

Prices falling — better for buyers.

Affordability

Enter your income for 32034 (Fernandina Beach).

Income (annual)

Down Payment

$120,254 on $601,270

Example: $75,000 household income. Change it above to see your own.

Out of reach61.5% of income

Need $164,829/yr to afford.

PITI$3,846

P/I61.5%

Afford$274K

Gap-$328K

P&I $3,040Tax $456Ins $350

6.50% 30yr, 20% down, county tax + FL ins. 28% per HUD.

Home Buying Kit For Dummies (2025)Financing, negotiation, closing

Metro Analysis

32034 is part of the Jacksonville, FL metropolitan area. See full stress scores, crash risk, early warning signals, and 12-month price forecast for the metro.

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